A typical boat tour in Cartagena means spending 2–5 hours on the water with 10–40 other people. You'll either do a bay cruise that circles the old city and gets you decent skyline photos, or an island-hopping trip out to the Rosario Islands where the water is clearer and you can swim. Expect loud music on most daytime trips, decent but not spectacular snorkeling, and a basic lunch of fish, rice, and plantains if it's included. The sunset cruises are calmer, with less people and better light for photos, though the bay water itself isn't especially clean near the port.
December to March is the dry season and clearly the best time; seas are calmer and the heat is slightly more bearable. Rainy season (April–November) brings afternoon downpours that can cut tours short and make the ride bumpy. Expect to pay around $35–65 for a standard half-day island tour with lunch, and $25–45 for a two-hour sunset cruise. Private options start at double that.
Pick a smaller boat (under 20 passengers) if you want the trip to feel less like a floating party. Skip the full-day Rosario tours if you're short on time or get seasick easily; the travel time eats most of the day. Bring your own snorkel mask if you're picky about fit, and always carry cash for tips and drinks not included in the price.
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